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Re: [TSP_Strategy] fishing attempts?

Never ever open a link emailed to you!

Keep a list of important sites with your log in details. Or better yet.

I use a password manager program called LastPass, there are others.

AES-256 bit encryption keeps your passwords and notes safe.

It stores your passwords and logins, create online shopping profiles, and generates strong passwords.

It helps prevent me from duplicating PWs and usernames.

When my wallet was stolen, I used my smart phone to cancel my credit & debit cards in a matter of minutes as I had notes on all those cards with the phone numbers to call.

Good luck.

On Feb 28, 2017, at 6:56 AM, Richard Lopez lopezesquire@sbcglobal.net [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

Looks ok to me too...

If you enrolled by having salary reduction contributions made to either a Health Care Flexible Savings Account, Limited Expense Flexible Savings Account, or a Dependent Care Flexible Savings Account, then you will receive these types of e-mails alerting you to the fact that there was some sort of health care related claim made against the account that you enrolled in. For more info go to:
https://www.fsafeds.com/

On Tuesday, February 28, 2017 8:05 AM, "earlgreydog@yahoo.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com> wrote:

Is anyone else getting this phishing attempt everyday?

John

This email is to notify you that there has been activity on your FSAFEDS account:

One or more claims were processed.

For More Information

Click on the following link or copy and paste it into your internet browser. You will be asked to enter your
username and password, and will then be brought to the page that contains more information about this
particular activity.

https://participant.fsafeds. com/ClaimsAndPayments/Index. aspx

Due to HIPAA security and privacy concerns, we are unable to include benefit details in email
communications.

Important Information from Your Program Sponsor:
To safeguard your personal information, questions should be submitted through our Secure Message Center. Please visit www.FSAFEDS.com and log in to your account to access the Secure Message Center. You may also contact us by phone at 1-877-FSAFEDS (372-3337) or TTY: 1-866-353-8058.

This email was sent from an unmonitored email account; please do not reply to this email.

__._,_.___

Posted by: John Hawkins <jweshawk@yahoo.com>

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Re: [TSP_Strategy] fishing attempts?

Yes, it's from FSA letting your know that a claim for payment has been submitted.

Sent from my iPhone

On Feb 28, 2017, at 6:05 AM, earlgreydog@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

Is anyone else getting this phishing attempt everyday?

John

This email is to notify you that there has been activity on your FSAFEDS account:

One or more claims were processed.

For More Information

Click on the following link or copy and paste it into your internet browser. You will be asked to enter your
username and password, and will then be brought to the page that contains more information about this
particular activity.

https://participant.fsafeds. com/ClaimsAndPayments/Index. aspx

Due to HIPAA security and privacy concerns, we are unable to include benefit details in email
communications.

Important Information from Your Program Sponsor:
To safeguard your personal information, questions should be submitted through our Secure Message Center. Please visit www.FSAFEDS.com and log in to your account to access the Secure Message Center. You may also contact us by phone at 1-877-FSAFEDS (372-3337) or TTY: 1-866-353-8058.

This email was sent from an unmonitored email account; please do not reply to this email.

__._,_.___

Posted by: Deborah Flores <dmflores@blm.gov>

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Re: [TSP_Strategy] fishing attempts?

Looks ok to me too...

If you enrolled by having salary reduction contributions made to either a Health Care Flexible Savings Account, Limited Expense Flexible Savings Account, or a Dependent Care Flexible Savings Account, then you will receive these types of e-mails alerting you to the fact that there was some sort of health care related claim made against the account that you enrolled in. For more info go to:

https://www.fsafeds.com/

On Tuesday, February 28, 2017 8:05 AM, "earlgreydog@yahoo.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com> wrote:

Is anyone else getting this phishing attempt everyday?

John

This email is to notify you that there has been activity on your FSAFEDS account:

One or more claims were processed.

For More Information

Click on the following link or copy and paste it into your internet browser. You will be asked to enter your
username and password, and will then be brought to the page that contains more information about this
particular activity.

https://participant.fsafeds. com/ClaimsAndPayments/Index. aspx

Due to HIPAA security and privacy concerns, we are unable to include benefit details in email
communications.

Important Information from Your Program Sponsor:
To safeguard your personal information, questions should be submitted through our Secure Message Center. Please visit www.FSAFEDS.com and log in to your account to access the Secure Message Center. You may also contact us by phone at 1-877-FSAFEDS (372-3337) or TTY: 1-866-353-8058.

This email was sent from an unmonitored email account; please do not reply to this email.

__._,_.___

Posted by: Richard Lopez <lopezesquire@sbcglobal.net>

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Re: [TSP_Strategy] fishing attempts?

It looks legit if you have FSAFEDS. It looks similar to what I usually get when there is a claim in FSA

On Tuesday, February 28, 2017 9:05 AM, "earlgreydog@yahoo.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com> wrote:

Is anyone else getting this phishing attempt everyday?

John

This email is to notify you that there has been activity on your FSAFEDS account:

One or more claims were processed.

For More Information

https://participant.fsafeds. com/ClaimsAndPayments/Index. aspx

Due to HIPAA security and privacy concerns, we are unable to include benefit details in email
communications.

This email was sent from an unmonitored email account; please do not reply to this email.

__._,_.___

Posted by: <donle0230@yahoo.com>

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[TSP_Strategy] fishing attempts?

Is anyone else getting this phishing attempt everyday?

John

This email is to notify you that there has been activity on your FSAFEDS account:

One or more claims were processed.

For More Information

https://participant.fsafeds. com/ClaimsAndPayments/Index. aspx

Due to HIPAA security and privacy concerns, we are unable to include benefit details in email
communications.

This email was sent from an unmonitored email account; please do not reply to this email.

__._,_.___

Posted by: earlgreydog@yahoo.com

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Re: [TSP_Strategy] Re: S fund

Good point. I guess a better way to explain it is after all of my itemized deductions, I end up owing no taxes. This includes my "taxed" Roth.

Also a good point about choosing your withholding. I haven't changed it because I move every 2-3 years, go to college off and on part time, have two mortgages on rental home plus my mortgage, and have two small children.

Basically my finances and deductions vary a lot from year to year, and once I have a budget figured out, I move again and expenses/bah change. I am also one pay raise away from owing taxes irregardless of my deductions.

Keeping my withholding, though numerically isn't the best financial plan, is easier for my chaotic life and keeps the amount in my return from being used for unnecessary things.

It works better for me and my wife at this point in our lives, knowing our situation and personalities. Once I have a more stable situation, I plan to change my withholding.

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Posted by: jarhead_rr@yahoo.com

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Re: [TSP_Strategy] Re: Roth

Below is the link to the Roth-Traditional Comparison that we discussed in January 2013.

https://groups.yahoo.com/neo/groups/TSP_Strategy/conversations/topics/24742

The major take-away for me was that - IF you invest the extra money you have with a traditional TSP due to not paying taxes, you will end up with more.

In the thread, Sarah had a good summary.

If your tax rate is the same or lower when you retire, a traditional TSP
would likely be most beneficial. If your tax rate is considerably
higher when you retire, the Roth would likely be most beneficial

Non-Roth earnings are taxable when you withdraw them.
Roth earnings are taxable prior to investing them.

If you don't need the money now, you invest it now.

With a non-Roth, you can invest more now than you could with a Roth, and
consequently, should have more when you retire.

Sarah's example, using the Roth TSP calculator.

Let's say you'll retire in 30 years,
and expect to spend 20 years in retirement.

Let's say you contribute 20% of your salary and your current household
tax rate is 22%.

Let's say you expect a 7% return per year and expect your retirement tax
rate to be 22%.

Under the Roth, you'll accumulate about $800,000.
Under the Traditional, you'll accumulate about $1,000,000.

I did the following analysis:

I've made an assumption that a person with a $60K salary would contribute $3K (5%) under the Roth option and contribute $3.6K (6%) under the Traditional option (thus contributing the money the Roth person uses for 20% taxes now). I used the TSP.gov calculator and unchecked equal paycheck impact.

I used the TSP Center calculator, as I needed the Indiv and Govt contributions totals - to be able to estimate the total tax obligation. I entered a hire age of 30 and retirement age of 70. I left the default of a 2.5% raise in salary each year (not realistic in these times). Even though tax brackets would increase thru the 40 years, I calculated taxes at 3 levels (15%, 20%, 25%) for the entire indiv contribution, govt contribution, and gain for each scenario and assumed tax rate was the same pre- and post-retirement.

In my scenario, the Roth person has accumulated $1,169,229 and the Traditional person has accumulated $1,286,152, so the Traditional person has approximately $78K more (after paying the 20% tax on the extra accumulation).

Under all three tax levels, the Traditional person ends up paying more taxes on their accumulation than the difference in the accumulations. Using 20% tax as the example, the traditional person pays approx $257K tax whereas the Roth person pays approx $84K tax.

Trad Trad Tax Roth Roth Tax

Indiv Contrib $252,315 $50,463 $210,265 $42,053

Govt Contrib $210,265 $42,053 $210,265 $42,053

Gain $823,672 $164,714.40 $748,699 $0

Total $462,576 $257,230.40 $420,524 $84,106

Contrib Tax Contrib Tax

Accumulation $1,286,152 $1,169,229

Accum - Tax $1,028,922 $1,085,123

Roth has $56,201.40 more after taxes

Sara Wetherbee followed up with a correction:

One possible miscalculation in the example could be in the amount of the contribution. With contribution numbers chosen, the traditional saver is taxed on income of $56,400 while the Roth saver is taxed on income of $60,000. The traditional saver would have 20% of $3,600, or $720 more dollars to invest annually; rather than the $360, (.036*60000) - (.03*60000), that was assumed and plugged in. If $360 annually ($30 monthly) is compounded at 7% for 40 years the traditional investor gets an additional $78,744.40.

---

So, if you get 7% on that extra money, the trad person has approx $22.5k more.

If only 5%, the two are likely very close, but the traditional person has more control of their money early (good) and pays more taxes during retirement (could be good or bad).

Sara, my use of $3,600 was to make the two equivalent. The Roth person pays $600 on the $3,000 contribution at 20%.

It's hard to make them equal - due to tax differences. As you indicate, that $600 is really worth $720 in savings to the trad person - plus the difference in state taxes, assuming the state uses federal taxable.

I'm still concerned that eventually the laws will change, but that's nothing anyone can control.

Allen Green followed up my April 2014 reposting of this info with additional resources:

One good resource to use for your taxes is the IRS withholding
calculator on the IRS website.

http://apps.irs.gov/app/withholdingcalculator/

Also, below is the info for the saver's credit. It can only be used to
offset taxes due, but it is still a great tool to cut down on taxes.

http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics-Retirement-Savings-Contributions-Credit-%28Saver%E2%80%99s-Credit%29

-- Cindy King

On Mon, Feb 27, 2017 at 9:15 PM, 69kram@cox.net [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

Here is an interesting look at it http://www.financialsamurai.com/disadvantages-of-the-roth-ira-not-all-is-what-it-seems/

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Posted by: Cindy King <cindy.kingde@gmail.com>

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RE: [TSP_Strategy] Re: S fund [1 Attachment]

[Attachment(s) from tweet_pa@yahoo.com included below]

Here is a nice article on Roth IRAs.

http://money.usnews.com/money/blogs/on-retirement/2014/05/05/5-little-known-roth-ira-tax-considerations

Sent from Mail for Windows 10

From: jarhead_rr@yahoo.com [TSP_Strategy]
Sent: Sunday, February 26, 2017 10:01 AM
To: TSP_Strategy@yahoogroups.com
Subject: RE: [TSP_Strategy] Re: S fund

It almost is. Very few people take the current tax savings and invest that amount too. Most people pick a percentage and leave it at that. Also there is still a tax break for just retirement savings when you file each year. Also given the fact that most people will be in a higher tax bracket when they retire than they are now, even if they did invest the extra from the tax deferment, the extra amount in their accounts at retirement will be mitigated by the amount paid in income tax.

It is worth researching and making an informed decision based on your personal circumstances, but for most situations, Roth is the best option.

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